Credit union · NCUA insured
Rochester & Monroe County Employees Federal Credit Union Savings Rates
Rochester & Monroe County Employees Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Rochester & Monroe County Employees Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rochester, NY, where Rochester & Monroe County Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rochester & Monroe County Employees Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $45
Money Market Account
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Rochester & Monroe County Employees Federal Credit Union savings score
75
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Rochester & Monroe County Employees Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.45%APY
All new credit union members are required to open and fund a savings account. Membership open to employees of City of Rochester, County of Monroe, select towns/villages, and individuals who live, work, or worship in the City of Rochester. Variable interest rates; monthly dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500 | 0.05% | — | |
| $2,500 – $10,000 | 0.30% | — | |
| $10,000 – $25,000 | 0.45% | $45 | |
| $25,000 – $50,000 | 0.55% | — | |
| $50,000 and upDeposits of $50,000 or more are required to obtain the highest rate. | 0.60% | — | Deposits of $50,000 or more are required to obtain the highest rate. |
Sources (3)
All captured Sep 17, 2026
Share/Savings
0.05%APY
Open to employees of the City of Rochester, County of Monroe, certain towns/villages, and individuals who live, work, or worship in the City of Rochester. Opening in-office requires a $5 deposit and a $1 processing fee ($6 total). Earns quarterly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividends; $1 processing fee on in-office opening ($5 deposit + $1 fee).Any balance | 0.05% | $5 | Quarterly dividends; $1 processing fee on in-office opening ($5 deposit + $1 fee). |
Sources (4)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.75%APY
Open-ended tax-advantaged investment account with no term commitment. All investment account holders must also have a funded traditional savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (3)
All captured Oct 16, 2026
Who can join Rochester & Monroe County Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, or worship in the City of Rochester.
Employers and groups
- Membership is open to members of additional employment groups served by the credit union.
Military, government and schools
- Membership is open to employees of the City of Rochester, County of Monroe, and select towns and villages within the county.
Family and household
- Membership is open to family members of all eligible groups.
Cost to join
- Opening a membership requires a $5 initial savings deposit.
- Opening a membership requires a $1 processing fee.
Membership information collected October 5, 2026.